JP5902731B2 - Repayment simulation system - Google Patents

Description

  The present invention relates to a repayment simulation system and a repayment simulation method.

  In recent years, credit cards have been widely used, but in recent years, repayment using a “revolving payment” method is being used for repayment of credit card payments. Revolving payment is a method of repaying a predetermined amount every month. Whereas the installment payment specified for the number of times specifies the number of payments for each payment, the revolving payment is used to repay the entire balance every month, not for each payment. It becomes a method to reduce.

  In the above-mentioned revolving payment, there is a so-called “later revo” (after-revolving) service that changes the repayment for the settlement to revolving payment after making a credit card payment once and specifying the number of payments once or multiple times. It is being developed. Further, as an example of using the revolving service, for example, when a credit card user is reluctant to repay monthly for credit card payment, it may be possible to change some or all unpaid payments to revolving payments.

Japan Credit Card Association, “Shopping Simulation Rebode Shopping ♪”, [online], Japan Credit Card Association website, [November 29, 2013 search], Internet (URL: http: //www.jcca-office. gr.jp/consumer/revolving) Sumitomo Mitsui Card Co., Ltd., “Afterward Revo”, [online], Sumitomo Mitsui Card Co., Ltd. website, [Searched on November 29, 2013], Internet (URL: https://www.smbc-card.com/ mem / revo / revoato.jsp)

  By the way, when changing to revolving payment using the ribo service after the above, it is usual to select some or all of the unpaid payments from the user's unpaid payment and change to revolving payment. However, in practice, the user is not interested in which payment among his / her unpaid payments will be changed to revolving payment, and simply thinks “I want to pay monthly”. While there are many users who think in this way, the actual response of credit card companies is as follows. 1) The user calls the credit card company he / she uses and informs the operator of the desired payment amount every month. 2) In response to this, the operator refers to all unpaid payments of the user and manually calculates which unpaid payment is changed to the revolving payment to reach the user's desired payment amount (approaching). 3) The operator contacts the user again, agrees on whether to change to revolving payment, and actually performs the procedure for changing to revolving payment.

  Under the circumstances described above, it is often complicated to calculate which unpaid payment is changed to revolving payment by the operator, and the payment amount desired by the user is complicated. There is also a fear. This becomes even more pronounced as the number of small payments increases in recent years.

  Non-Patent Document 1 discloses a system for performing revolving payment simulation. By using the simulation system, the amount of payment by revolving payment is calculated based on a pre-defined rule rather than manual calculation, so that the calculated amount of payment becomes accurate. However, this system assumes that the payment amount is calculated when using a new revolving payment. In the situation where there are unpaid payments, the payment is made taking into account the user's revolving frame, revolving balance, etc. It does not calculate the amount.

  Non-Patent Document 2 discloses a system that displays a record of unpaid payment for each actual user, selects a record to be changed to revolving payment, and accepts a change in payment method. However, the system does not calculate the desired payment amount, but can simply change the revolving payment for part or all of the unpaid payment.

  The present invention has been made in view of such a problem, and only by inputting the monthly payment amount desired by the user, the unpaid settlement record of the user is referred to, and the desired payment amount is the most. It is an object of the present invention to provide a repayment simulation system and a repayment simulation method capable of calculating a close amount.

  In order to solve the above problems, a repayment simulation method according to the present invention is a method executed by a computer for calculating a monthly desired payment amount in credit card settlement, wherein the computer performs credit card settlement. A payment history data storage unit storing payment history data including a payment amount of a user's credit card payment; and a user data storage unit storing user data including a monthly payment amount of the credit card payment user. The method includes a step of receiving a user identification number and a desired payment amount input from a client computer connected to the computer, and payment from the payment history data storage unit based on the received user identification number. Obtaining a history data record and the received user identity; Based on the number, acquiring a user data record from the user data storage unit, adding a payment amount included in the acquired payment history data record, the received desired payment amount, and adding A step of calculating a revolving change amount based on a payment amount and a monthly payment amount included in the acquired user data record, and based on the calculated revolving change amount, in the acquired payment history data record To determining a settlement history data record to be changed to revolving payment.

  According to the repayment simulation system and the repayment simulation method according to the present invention, only by inputting the monthly payment amount desired by the user, the closest payment amount is obtained by referring to the unpaid settlement record of the user. It is possible to calculate the amount of money, and thus, the burden on the operator, which has been a problem in the past, can be reduced and calculation errors can be prevented.

It is a figure which shows the example of the network structure of the repayment simulation system which concerns on one Embodiment of this invention. It is a block diagram which shows the example of a detailed structure of the repayment simulation system which concerns on one Embodiment of this invention. It is a flowchart which shows a series of processes which the repayment simulation system which concerns on one Embodiment of this invention performs. It is a figure which shows the example of the user data storage part 400 which concerns on one Embodiment of this invention. It is a figure which shows the example of the payment history data storage part 500 which concerns on one Embodiment of this invention. It is a figure which shows the example of the repayment simulation input interface 600 which concerns on one Embodiment of this invention. It is a figure which shows the example of the repayment simulation input interface 700 which concerns on one Embodiment of this invention. It is a flowchart which shows the process which selects the revolving change data which the repayment simulation system which concerns on one Embodiment of this invention performs. It is a figure which shows the example of the payment history data storage part 900 which updated the payment history data storage part 500 shown in FIG.

  Hereinafter, a repayment simulation system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a diagram illustrating an example of a network configuration of a repayment simulation system according to an embodiment of the present invention.

  The repayment simulation server 101 is a computing device that provides a change acceptance service for revolving payment and the like, and is a computing device having the main functions of the repayment simulation system according to the present invention. The repayment simulation server 101 is configured to communicate with 103a, 103b,..., 103n (hereinafter, “client computer 103”) via a network 102 such as a dedicated line.

  The client computer 103 is a terminal used by an operator (hereinafter referred to as an “operator”) belonging to a business providing the repayment simulation system according to the present invention, and the desired payment amount is input from the client computer. It is displayed on the display unit of the client computer 103. In this embodiment, it is assumed that the client computer 103 is used by an operator, but the present invention is not limited to such a format. For example, the repayment simulation server 101 and the client computer 103 are connected via a network such as the Internet, and a credit card user (hereinafter referred to as “user”) uses the client computer 103 to display the system on the WEB screen. You may make it the structure which utilizes.

  The repayment simulation server 101 described above may be configured by one or a plurality of computing devices. The client computer 103 described above may be an information terminal device such as a personal computer, a workstation, or a PDA having a communication function. A computing device and an information terminal device are computing devices including a central processing unit (CPU), a memory, a storage device, and the like, and are centralized by a CPU processing a computer program stored in the memory or the storage device. It is controlled, and the processing according to the present invention can be executed and its function can be realized. Note that the above-described system configuration is for illustration, and does not limit the system configuration capable of executing the present invention.

  Next, the configuration of the above-described repayment simulation system will be described in detail with reference to the block diagram of FIG. The repayment simulation server 101 includes a control unit 201, a main storage unit 203, an auxiliary storage unit 204, an input unit 205, an output unit 206, a network I / F 207, and a database 208, and these elements are connected via the system bus 202. Is done.

  The control unit 201 is also called a central processing unit (CPU), performs control of each of the above-described constituent elements and data calculation, and reads various programs stored in the auxiliary storage unit 204 to the main storage unit 203 and executes them. To do.

  The main storage unit 203 is also called a main memory, and stores input data received by the repayment simulation server 101, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 204 is a storage device represented by a hard disk (HDD) or the like, and is used when storing data and programs for a long period of time. Since the main storage unit 203 has a relatively smaller storage capacity than the auxiliary storage unit 204, it is used for temporary data storage, arithmetic processing, and the like, whereas the auxiliary storage unit 204 is used for long-term storage of necessary data. Used for general memory and preservation. That is, when the control unit 201 executes a program to perform data calculation, the necessary data or program is read from the auxiliary storage unit 204 to the main storage unit 203, and the calculation result data is stored and stored for a long time. In this case, the control unit 201 writes the calculation result data in the auxiliary storage unit 204.

  The input unit 205 receives input of a desired payment amount from the client computer 103 via the network I / F 207.

  The output unit 206 receives the input of the desired payment amount from the client computer 103, executes the repayment simulation process, and then outputs the execution result. The execution result is transmitted to the client computer 103 via the network I / F.

  The database 208 includes data tables such as a user data storage unit 400 and a settlement history data storage unit 500 described later.

  The client computer 103 includes a network I / F 211 and a display unit 212. The network I / F 211 is an interface used for communication between the repayment simulation server 101 and the client computer 103. The display unit 212 displays a repayment simulation input interface.

  Next, a series of processes executed by the repayment simulation system according to the embodiment of the present invention will be described using the flowchart of FIG.

  It is assumed that the user has requested a repayment simulation, that is, “how much do you want to pay each month”. This user has an unpaid settlement with a revolving payment condition of “Principal Interest Rate”, a monthly payment amount of 10,000 yen, a revolving balance of 0 yen, a revolving frame of 500,000 yen, and a total of 68,000 yen. Assumption. "Principal interest fixed amount payment" refers to a method of paying a repayment of principal and interest by paying a predetermined amount in revolving payment and subtracting interest. There are other payment methods such as “Principal fixed amount”, “Principal interest rate” or “Principal fixed rate” method, but these payment methods are known payment methods in revolving payments, and are therefore described in this specification. Is omitted. The monthly payment amount is the minimum payment amount required to be paid every month in the revolving payment. The revolving balance is the total amount of unpaid settlements using revolving payments among the unpaid settlements currently held. The revolving frame is the total amount of money that can be used for revolving payment, and the revolving balance cannot exceed the revolving frame.

  The operator inputs the user number of the user to the repayment simulation input interface displayed on the display unit 212 of the client computer 103 (S301). The entered user number is transmitted to the repayment simulation server 101 via the network I / F 211.

  The input unit 205 of the repayment simulation server 101 receives the user number via the network I / F 207 (S302). Then, the control unit 201 of the repayment simulation server 101 acquires a user data record of the corresponding user from the user data storage unit 400 using the user number as a key (S303).

  As shown in FIG. 4, the user data storage unit 400 is a database table storing user data, and identifies “user number”, “name”, “card expiration date”, “revolving” that identifies each user. “Frame” (yen), “revolving balance” (yen), “revolving payment terms” and “monthly payment amount” (yen). The item “revolving payment conditions” may have a value such as “1” (principal interest fixed amount), “2” (fixed principal amount), and the like.

  Next, the control unit 201 acquires the payment history data record of the corresponding user from the payment history data storage unit 500 using the user number received in S302 as a key (S304).

  As shown in FIG. 5, the settlement history data storage unit 500 is a database table that stores settlement history data of a user so far, and includes “No.” (identification number), “user number”, “use”. “Date” (date), “Settlement amount” (yen), “Interest rate” (%), “Payment method”, “Industry code”, “Member store code”, and “Payment flag”. The item “payment method” has values such as “1” (single payment), “2” (two payments), “3” (monthly payment), “9” (revolving payment), and the like. Also good. The item “interest rate” indicates a fee rate applied to payment of each settlement. The item “business type code” is a code for identifying a business type (for example, a department store, a supermarket, a service service, etc.) such as a user store using credit card payment. The item “Member Store Code” is a code for identifying the name of a store to be used using credit card payment. In the item “payment flag”, a flag indicating whether or not each payment history data record has been paid is set. When this item is blank, it indicates “unpaid”.

  Next, the output unit 206 of the repayment simulation server 101 transmits the acquired user data record and settlement history data record to the client computer 103 via the network I / F 207 (S305).

  The client computer 103 receives the transmitted user data record and payment history data record via the network I / F 211. Then, the received user data record and settlement history data record are displayed on the repayment simulation input interface displayed on the display unit 212 (S306). In this case, although “use place / member store” is displayed, the repayment simulation server 101 or the client computer 103 has a database table including “member store name” corresponding to the member store code. Alternatively (not shown), the “member store name” corresponding to the corresponding member store code may be obtained by referring to the table.

  An example of the repayment simulation input interface 600 displaying the above-described user data record and settlement history data record will be described with reference to FIG.

  In each item displayed on the repayment simulation input interface 600, the data of the user data record and the settlement history data record received in S306 are displayed. A desired payment amount input box 601 is an input box for inputting a desired payment amount desired as a monthly payment amount by the user. “Payment before change” displayed in the pre-change payment amount display 602 indicates the total amount of unpaid settlement amount at the present time. As shown in FIG. The settlement records 1 to 11 are displayed in ascending order of usage date, but may be displayed in order of interest rate, settlement amount, or the like. The payment method designation selection menu 603 is a selection menu for selecting a payment method such as “single payment” or “twice payment”. For example, when “single payment” is selected in this selection menu, it is determined whether or not only payment history data whose payment method is a single payment is subject to revolving change in the processing described later. The interest order designation selection menu 604 is a selection menu that can designate whether or not to determine whether or not to be a revolving change target in order of interest such as “low priority” or “high priority”. For example, when “low priority” is selected in this selection menu, it is determined whether or not the payment history data is subject to revolving change in the order of low interest rates, and vice versa when “from high” is selected. . The settlement amount order designation selection menu 605 is a selection menu that can designate whether or not to determine whether or not the revolving change target is determined in the order of the settlement amount, such as “from high amount” or “from low amount”. For example, if “From High” is selected in this selection menu, it is determined whether the payment history data is subject to revolving change in descending order of usage, and vice versa when “From Low” is selected. Become. The use date order specification selection menu 606 is a selection menu that can specify whether or not to determine whether or not to be subject to revolving change in order of use date, such as “old priority” or “new priority”. When “old priority” is selected in this selection menu, it is determined whether or not the settlement history data is subject to revolving change in the order of use date, and vice versa when “new priority” is selected. The selection of the above-mentioned interest rate order designation selection menu 604, settlement amount order designation selection menu 605, and usage date order designation selection menu 606 may be selected in combination. In this case, the order designation priority Each order selection may be prioritized by the selection menu 607. In the example of FIG. 6, the interest rate is selected as the revolving change target in the order of low interest rate and the settlement amount in the order of high amount.

  Next, the operator inputs the desired payment amount of the user in the desired payment amount input box 601 of the repayment simulation input interface displayed on the display unit 212 of the client computer 103 (S307). The input desired payment amount is transmitted to the repayment simulation server 101 via the network I / F 211.

  The input unit 205 of the repayment simulation server 101 receives the desired payment amount via the network I / F 207 (S308). And the control part 201 of the repayment simulation server 101 selects the payment history data record (henceforth "revolving change data") used as the revolving change object from the payment history data record acquired by S304 (S309). Details of the selection method of the revolving change data will be described with reference to the flowchart of FIG.

First, the control unit 201 adds the payment amounts of all the payment history data records acquired in S304 to calculate an unpaid total payment amount (S3091). Taking the settlement history data storage unit 500 of FIG. All the settlement amounts of records 1 to 11 are added and calculated as 68,000 yen.
Unpaid total settlement amount = total settlement amount in settlement history data record Formula 1

  Next, the control unit 201 selects payment history data that cannot be revolved from all the payment history data records acquired in S304 (hereinafter, “revolving change impossible data”) (S3092). Here, the revolving change impossibility data refers to a credit card payment record in which revolving payment is not permitted, such as a monthly payment-designated credit card payment. For the revolving change impossibility data, the industry code designated as the revolving change impossibility is set in the item “industry code”. For selection of data that cannot be revolved, for example, a database table (not shown) including an “industry code” and a “revolution changeability flag” is provided, and the above-described database table is revolved using the industry code of each settlement history data record as a key. A configuration may be adopted in which it is determined whether or not the data is revolving change disabled data with reference to the value of the change enable / disable flag. Taking the settlement history data storage unit 500 of FIG. 11 records are applicable (the payment method is “3” (monthly payment), and the industry code “132” is designated as being unchangeable).

Next, the control unit 201 calculates the added revolving balance by adding the unpaid total settlement amount calculated in S3091 to the value of the item “revolving balance” of the user data record acquired in S303 (S3093).
Added revolving balance = revolving balance + unpaid total settlement amount Formula 2

Next, the control unit 201 compares the added revolving balance with the value of the item “revolving frame” of the user data record acquired in S303, and when the added revolving balance is large, the added revolving balance and the revolving The difference from the frame is calculated as the revolving excess amount (S3094). When the revolving balance exceeds the revolving frame, the revolving amount cannot be changed.
Revolving excess amount = added revolving balance-revolving frame formula 3

Next, the control unit 201 determines, based on the desired payment amount received in S308, the settlement amount of the revolving change impossible data selected in S3092 (hereinafter referred to as “revolving change impossible amount”), the revolving excess amount, and the user data acquired in S303. The revolving unchanged amount is calculated by subtracting the amount of the item “monthly payment amount” of the record (S3095). Taking the settlement history data storage unit 500 of FIG. 5 and the repayment simulation input interface 600 of FIG. 6 as an example, from the desired payment amount of 30000 yen, the revolving change impossible amount is 10000 yen (the settlement amount of the settlement history data record No. 11 is 10000 yen) ), The revolving excess amount of 0 yen and the monthly payment amount of 10,000 yen are subtracted to calculate 10,000 yen.
Revolving non-change amount = desired payment amount-(revolving amount that cannot be changed + revolving excess amount + monthly payment amount) Equation 4

Next, the control unit 201 calculates the revolving change amount by subtracting the revolving non-change amount, the revolving non-changeable amount, and the revolving excess amount from the unpaid total settlement amount calculated in S3091 (S3096). In the present embodiment, the revolving non-change amount 10000 yen, the revolving unchangeable amount 10000 yen and the revolving excess amount 0 yen are subtracted from the unpaid total settlement amount 68000 yen to calculate 48000 yen.
Revolving change amount = Unpaid total settlement amount-(Revolving unchanged amount + Revolving unchangeable amount + Revolving excess amount) Equation 5

  Next, the control unit 201 determines, in a predetermined order, the records of the records from all the settlement history data records acquired in S304, excluding the revolving change impossible data selected in S3092 (hereinafter, revolving change candidate data). Subtract the settlement amount from the revolving change amount (apply the settlement amount of each record to the revolving change amount). Then, this subtraction is repeated until the revolving change amount becomes zero or less. Eventually, all the revolving change candidate data that can be used for the revolving change amount are selected as the revolving change data. On the other hand, the revolving change candidate data that could not be applied is selected as the revolving non-change data (S3097). Here, the predetermined order is: 1) Appropriately assigned from the low (high) interest rate (“low priority” (“high priority”) in the interest order designation selection menu 604 of the repayment simulation input interface 600 of FIG. 2) Appropriation is made in order from the record with the highest (low) payment amount ("From high" ("From low") in the payment amount order designation selection menu 605 of the repayment simulation input interface 600 in FIG. 6). When selected, 3) When records are used in order from the oldest (new) record of use date (when “old priority” (“new priority”) is selected in the use date order specification selection menu 606 of the repayment simulation input interface 600 in FIG. 6 ), May be applied in any order. When appropriating in the above-mentioned order of interest rates (low rate), since payments are changed to revolving payments in order from the lowest interest rate payments, it is possible to calculate the amount of payment that will give a more advantageous interest rate to the user. .

  Taking the settlement history data storage unit 500 of FIG. 5 as an example, for example, when the interest rates are allocated in the order of low interest rates and the settlement amounts are allocated in the descending order, the revolving change amount 48,000 yen is repeated as follows, as follows: .

  In the example of Table 1, no. The records 6, 7, 4, 9, 5, 2, 10 and 1 can be applied and become revolving change data. On the other hand, no. 8 and 3 cannot be applied and become revolving non-change data. In addition, No. For the record of No. 1, 2000 yen (hereinafter referred to as “excess appropriation amount”) has not been allocated. The settlement amount of one record may be changed by revolving or No. It is not necessary to change the revolving amount of the entire settlement amount of one record. No. When all the settlement amounts of 1 are changed by revolving, the revolving change amount is 50000 yen, and the excess appropriation amount of 2000 yen is subtracted from the revolving unchanged amount and recalculated. On the other hand, if all changes are not made, the revolving change amount is 40000 yen, and the revolving non-change amount is added to 8000 yen (No. 1 settlement amount-excess appropriation amount) and recalculated. In this embodiment, no. All settlement amounts of 1 shall be revolved.

  Note that when “pay once” is selected in the payment method designation selection menu 603 of the repayment simulation input interface 600 of FIG. 6, only the settlement history data whose payment method is “pay once” is subject to revolving payment. In the calculation of the unpaid total settlement amount described above (Formula 1), settlement history data other than “pay once” may be excluded from the addition target. Similarly, when another payment method (for example, “twice payment”) is selected, settlement history data other than the payment method is excluded from the addition target in Equation 1. In this way, for example, by changing the revolving for only one payment, the number of payments with various payment methods is large (for example, payments such as single payment, double payment, monthly payment are mixed) Therefore, even after changing to revolving payment, it becomes easy to grasp own payment.

Next, the control unit 201 adds the revolving non-change amount, the revolving non-changeable amount, the revolving excess amount, and the monthly payment amount to calculate the changed payment amount (S3098).
Payment after change = Unchanged amount of revolving + Unchangeable amount of revolving + Amount of excess revolving + Amount of monthly payment) Equation 6

  As described above, the revolving change data and the revolving non-change data are selected, and the flowchart of FIG. 8 ends. The post-change payment amount is calculated by multiplying the settlement amount by the interest rate. However, in order to simplify the explanation, the interest rate is not considered.

  Next, returning to the flowchart of FIG. 3, the output unit 206 of the repayment simulation server 101 receives the repayment simulation result data including the selected revolving change data, the revolving non-change data, the revolving non-changeable data, the calculated amount after change, and the like. The data is transmitted to the client computer 103 via the network I / F 207 (S310). Here, in the present embodiment, the repayment simulation result data includes a revolving change data, a revolving non-change data, and a revolving non-changeable data, but is not limited to such a configuration. Only the item “No.” (identifier) of the record may be included. In this case, the client computer 103 may determine whether the data is the revolving change data, the revolving non-change data, or the revolving non-changeable data based on the identifier value from the payment history data record received in S306.

  The client computer 103 receives the transmitted repayment simulation result data via the network I / F 211. Then, the received repayment simulation result data is displayed on the repayment simulation input interface displayed on the display unit 212 (S311).

  An example of the repayment simulation input interface 700 displaying the repayment simulation result data described above will be described with reference to FIG.

  The changed payment amount, the revolving balance, and the revolving change amount included in the repayment simulation result data are displayed in the changed payment amount display 701, the revolving balance display 702, and the revolving change amount display 703 of the repayment simulation input interface 700, respectively. In addition, the revolving change data, the revolving non-change data, and the non-revolving data included in the repayment simulation result data are displayed in an identifiable manner. As the identification, in this embodiment, the revolving change data is displayed in a state where the revolving change selection check box 704 is checked (records of No. 6, 7, 4, 9, 5, 2, 10 and 1). The revolving non-change data is displayed in a state where the revolving change selection check box 704 is not checked (Nos. 8 and 3 records), and the revolving change selection check box 704 is not displayed for data that cannot be revolved. (No. 11 record). In addition, No. The settlement indicated by the record 11 means that it cannot be changed to revolving payment.

  Next, the operator checks all the revolving change selection check boxes 704 corresponding to the revolving change data records displayed on the repayment simulation input interface 700 (in this embodiment, the revolving change selection corresponding to the revolving capture data). Since the check box 704 is already checked, the execution button 707 is pressed (S312). The checked revolving change data is transmitted to the repayment simulation server 101 via the network I / F 211. However, it is not always necessary to transmit the data, and the identifier of the data may be transmitted. When a part of the revolving change selection check boxes 704 corresponding to the revolving change data record is unchecked, the revolving change data that is not checked is not revolved. For example, in FIG. When the check box corresponding to 10 records is unchecked, the settlement amount of 3000 yen of the record is subtracted from the revolving balance and the revolving change amount, and conversely, the amount is added to the changed payment amount, Those amounts are recalculated. In such a case, when the recalculation button 706 is pressed, the recalculated revolving balance, the revolving change amount, and the changed payment amount are displayed again. In this way, the payment amount after the change can be displayed before the change to the revolving payment is executed, so that the revolving payment is confirmed after confirming the payment amount after the change in advance as compared with the prior art. Changes to can be performed.

  Finally, in response to the operator pressing the execute button 706 of the repayment simulation input interface 700, the control unit 201 of the repayment simulation server 101 executes a process of changing the revolving change data to the revolving payment (S312). An example of change processing to revolving payment will be described with reference to FIG.

  FIG. 9 shows a payment history data storage unit 900 in which the payment history data storage unit 500 shown in FIG. 5 is updated by a change process to revolving payment. As described above, in this embodiment, no. Since the payment method for the settlement of the records 6, 7, 4, 9, 5, 2, 10 and 1 is changed to the revolving payment, the No. of the settlement history data storage unit 900 corresponding to them is changed. The item “payment method” of items 6, 7, 4, 9, 5, 2, 10 and 1 is updated to “9” (revolving payment).

Next, a second example of the above-described revolving change selection will be described. In the second example, the desired payment amount is 30000 yen, the revolving balance is 470000 yen, and the other preconditions are the same as those in the example of the flowchart of FIG. Under this condition, the above formula is applied.
Formula 1 Total unpaid settlement amount: 68000 yen Formula 2 Added revolving balance: 528,000 yen Formula 3 Excess revolving amount: 28000 yen Formula 4 Unchanged revolving amount: 0 yen (negative value is assumed to be 0 yen)
Formula 5 Revolving change: 30000 yen Formula 6 Payment after change: 48000 yen

  Based on the calculated value, the revolving change amount is subtracted (appropriated) from the settlement history data record.

  As can be understood from Table 2, in the second example, the revolving change amount is 30000 yen. Only 6, 7, 4 and 9 records are selected as revolving change data, and all other records are selected as revolving non-change data. In such a case, since the revolving frame is exceeded, a warning message may be displayed when displaying the repayment simulation result data on the repayment simulation input interface 700 (for example, “there is a partial revolving limit exceeded”. Ca n’t revolve over the limit. ”)

Next, a third example of the above-described revolving change selection will be described. In the third example, it is assumed that the desired payment amount is 90000 yen, and other preconditions are the same as those in the flowchart of FIG. 8 described above. Under this condition, the above formula is applied.
Formula 1 Unpaid total settlement amount: 68,000 yen Formula 2 Added revolving balance: 58000 yen Formula 3 Revolving excess amount: 0 yen Formula 4 Revolving unchanged amount: 70000 yen Formula 5 Revolving change amount: 0 yen (negative value is 0 yen) To do)
Formula 6 Payment after change: 68000 yen

  In the third example, the current unpaid total settlement amount is less than the desired payment amount, which means that it is not necessary to change to revolving payment. In this way, if the user does not know the details of his / her payment and does not need to change to revolving payment, there is no need to change if he / she tries to change to revolving payment by mistake. Can be grasped immediately. In such a case, a warning message may be displayed when displaying the repayment simulation result data on the repayment simulation input interface 700 (for example, “Revolving is not changed because it is less than the monthly payment amount. please").

  As described above, the repayment simulation system according to the present invention has been described in detail. Specific data structures such as the user data storage unit 400 and the settlement history data storage unit 500 described in the embodiment are illustrative. It is only a thing and may be changed in the range which does not deviate from the matter claimed.

102 Network 601 Desired payment amount input box 602 Payment amount display before change 603 Payment method designation selection menu 604 Interest rate order selection menu 605 Payment amount order designation selection menu 606 Usage date order selection menu 701 Change payment amount display 702 Revolving balance display 703 Revolving change amount display 704 Revolving change selection check box 705 Payment method display after change 706 Recalculation button 707 Execution button

Claims (6)

A method executed by a computer for calculating a desired payment amount in a credit card payment, wherein the computer stores payment history data including a payment amount of a credit card payment of a credit card payment user. A storage unit , and a user data storage unit storing user data including a monthly payment amount of the credit card settlement user , a revolving frame, and a revolving balance ,
The method
Receiving a user identification number and a desired payment amount input from a client computer connected to the computer;
Acquiring a payment history data record from the payment history data storage unit based on the received user identification number;
Obtaining a user data record from the user data storage unit based on the received user identification number;
Calculating a total settlement amount by adding the settlement amount included in the acquired settlement history data record;
Calculating the added revolving balance by adding the calculated total settlement amount to the revolving balance included in the user data record;
Calculating a revolving change amount based on the received desired payment amount, the calculated added revolving balance, and a monthly payment amount and a revolving frame included in the acquired user data record;
By subtracting the settlement amount included in each acquired settlement history data record from the revolving change amount, and determining whether the subtracted revolving change amount becomes a positive value, the calculated revolving Determining a payment history data record to be changed to revolving payment from the acquired payment history data records based on a change amount. Each record of the settlement history data storage unit further includes a settlement interest rate and a use date,
The step of subtracting the payment amount included in each acquired payment history data record from the revolving change amount includes, in the order of the payment amount, payment interest rate and / or usage date included in the acquired payment history data record, The method according to claim 1 , further comprising: subtracting a settlement amount included in each acquired settlement history data record from a revolving change amount. A computer system for calculating a desired payment amount in credit card settlement, wherein the computer system is connected to a client computer,
A payment history data storage unit storing payment history data of a credit card payment user, wherein each record of the payment history data storage unit includes a payment amount; a payment history data storage unit;
A user data storage unit storing user data of the credit card settlement user, wherein each record of the user data storage unit includes a monthly payment amount , a revolving frame, and a revolving balance. And
A receiving unit for receiving a user identification number and a desired payment amount input from the client computer;
Based on the received user identification number, a user data acquisition unit for acquiring a user data record from the user data storage unit,
A payment history data acquisition unit for acquiring a payment history data record from the payment history data storage unit based on the received user identification number;
A total settlement amount calculation unit for calculating a total settlement amount by adding the settlement amount included in the acquired settlement history data record;
An added revolving balance calculating unit for calculating an added revolving balance by adding the calculated total settlement amount to a revolving balance included in the user data record;
A revolving change amount calculation unit for calculating a revolving change amount based on the received desired payment amount, the calculated added revolving balance, and a monthly payment amount and a revolving frame included in the acquired user data record;
By subtracting the settlement amount included in each acquired settlement history data record from the revolving change amount, and determining whether the subtracted revolving change amount becomes a positive value, the calculated A computer system, comprising: a revolving payment determination unit that determines a payment history data record to be changed to revolving payment from the acquired payment history data records based on a revolving change amount. Program for executing the method according to the computer to claim 1 or 2. A computer-readable storage medium storing the program according to claim 4 . A computer comprising a processor and a memory, wherein the memory stores a program for causing the processor to execute the method according to claim 1 or 2 .

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